It only takes a few minutes: this is how you can get the transferred money back. According to the Civil Code, online transfers in the European Economic Area may take a maximum of one banking day.
You have eight months to complain about an incorrectly debited direct debit. If there is no direct debit authorization, the deadline is extended to 13 months. For the so-called chargeback procedure, you must fill out a form issued by the bank. Since 2009, financial institutions are no longer obliged to match the name of the payee with the customer ID (the IBAN) when making transfers.